The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,437
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,135
−HK$709/mo
Today · 4.125%
HK$23,844
baseline
▲ 0.50% · 4.625%
HK$25,295
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,688/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,961
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,630
−HK$679/mo
Today · 4.125%
HK$26,309
baseline
▲ 0.50% · 4.625%
HK$27,696
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,618/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,924
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,762
−HK$851/mo
Today · 4.125%
HK$28,613
baseline
▲ 0.50% · 4.625%
HK$30,354
+HK$1,741/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$57,226/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,953
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,756
−HK$815/mo
Today · 4.125%
HK$31,571
baseline
▲ 0.50% · 4.625%
HK$33,235
+HK$1,664/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$63,142/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,412
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,389
−HK$993/mo
Today · 4.125%
HK$33,382
baseline
▲ 0.50% · 4.625%
HK$35,413
+HK$2,031/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,764/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,945
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,882
−HK$951/mo
Today · 4.125%
HK$36,833
baseline
▲ 0.50% · 4.625%
HK$38,775
+HK$1,942/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,666/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,387
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,643
−HK$1,276/mo
Today · 4.125%
HK$42,919
baseline
▲ 0.50% · 4.625%
HK$45,531
+HK$2,612/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,838/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,930
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,135
−HK$1,222/mo
Today · 4.125%
HK$47,357
baseline
▲ 0.50% · 4.625%
HK$49,853
+HK$2,496/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,714/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,966 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).